The IndusInd Bank Indulge Credit Card is a premium card with a 22K gold inlay and no pre-set spending limit, designed for people who spend a lot. It offers benefits in dining, travel, lifestyle, and entertainment, making it a well-rounded choice.
The card gives 1.5% rewards, which is lower than some other premium cards like HDFC Diners Club Black (3.33%) or ICICI Emeralde Private (3%), but points can be redeemed 1:1 for cashback, making it simple to use.
For travel, it offers a low 1.8% forex fee and 16 free international lounge visits per year. Other premium cards may offer unlimited lounges, so frequent travelers may find those better.
The card shines in lifestyle perks, including unlimited golf games and lessons, free movie tickets, and dining discounts.
Overall, the Indulge Credit Card is good for high spenders who want premium lifestyle benefits and easy rewards redemption, even if the reward rate is lower than some other cards.
IndusInd Bank Indulge Credit Card Rewards Program
Reward Earning
5 reward points for every ₹100 spent on all categories.
0.7 reward points for every ₹100 spent on utilities, insurance, government payments, and education expenses.
Redeem points for gift vouchers or products from the rewards catalog.
Other Features and Benefits
Travel Benefits
Low forex markup fee of 1.8% on international transactions.
4 complimentary international lounge visits per quarter via Priority Pass.
Golf Benefits
Unlimited golf games and lessons at regular golf clubs.
4 complimentary golf games per month at premium golf clubs.
Entertainment Benefits
Buy 1 Get 1 offer on BookMyShow tickets, up to ₹700 per ticket, three times a month.
Extra ₹50 off on BookMyShow when selecting F&B.
Exclusive offers at select theatres, events, and more.
Dining Benefits
₹3,000 off on dining bills at 100+ partner restaurants, twice a year via EazyDiner.
Fuel Benefits
1% fuel surcharge waiver at all petrol pumps.
Annual Fee Waiver
Annual fee waived on spending ₹10 lakh or more in a year.
Other Benefits
24×7 concierge services.
Personal Air Accident Insurance up to ₹25 lakh.
Additional Benefits for VISA Variant
Buy 1 Get 1 on movie tickets (up to ₹300 per transaction).
20% off on non-movie tickets (up to ₹700 per transaction).
25% off on airport fast-track immigration at 450+ destinations worldwide.
20% off on airport limo transfers.
Fees and Charges
Fee Type
Amount
Joining Fee
Rs. 75,000 + Applicable Taxes
Annual Fee
Rs. 10,000 + Applicable Taxes
Finance Charges
1.79% p.m. | 21.48% p.a.
Late Payment Fee
For Statement Balance:
Up to Rs. 100
Nil
Between Rs. 101 and Rs. 500
Rs. 100
Between Rs. 501 and Rs. 1,000
Rs. 350
Between Rs. 1,001 and Rs. 10,000
Rs. 550
Between Rs. 10,001 and Rs. 25,000
Rs. 800
Between Rs. 25,001 and Rs. 50,000
Rs. 1,100
Above Rs. 50,000
Rs. 1,300
Things to Know Before you apply
Get this card if:
You want a premium credit card with luxury lifestyle benefits like unlimited golf games.
You are okay with a high joining fee of ₹75,000.
You prefer redeeming reward points for cashback to get the most value.
You want a card with no pre-set spending limit.
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For IndusInd Bank Indulge Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
IndusInd Bank Indulge Credit Card Hilights
What do we like about this card?
Premium card with 22K gold inlay and no pre-set spending limit.
1.5% reward points on all spends, redeemable 1:1 for cashback.
Low forex markup fee of 1.8% on international transactions.
Unlimited golf games and lessons, plus 4 premium golf games per month.
Buy 1 Get 1 offer on BookMyShow tickets, plus extra discounts on F&B.
Dining discounts up to ₹6,000 per year via EazyDiner.
4 complimentary international lounge visits per quarter.
1% fuel surcharge waiver on petrol transactions.
Annual fee waiver on spending ₹10 lakh or more in a year.
Additional VISA benefits: fast-track immigration, airport limo discounts, and more.
Pros
No pre-set spending limit – spend freely without a fixed limit.
Low forex markup fee of 1.8% for international transactions.
Reward points redeemable for cashback at a 1:1 ratio.
Unlimited complimentary golf games and lessons.
Buy 1 Get 1 offer on BookMyShow tickets.
Dining discounts up to ₹6,000 per year via EazyDiner.
Cons
High joining fee of ₹75,000.
Low reward earning rate of 1.5% on all spends.
IndusInd Bank Credit Card Contact Details
Contact Address: IndusInd Bank Ltd. 701, Solitaire Corporate Park, 167 Guru Hargovindji Marg, Andheri East, Mumbai – 400093, Maharashtra, India
Helpline: 1860 267 7777 (accessible from most Indian cities)
Simply SMS: SMS Indulge to 5676757 for details or callback requests
Frequently Asked Questions
Everything you need to know about this credit card
A1: You must be at least 21 years old. Salaried individuals should have an annual income of ₹36 Lakh or more, and self-employed applicants need an annual income of ₹42 Lakh or more.
A2: You can apply online on the official IndusInd Bank website by filling out the application form, or you can apply offline by visiting your nearest IndusInd Bank branch.
A3: The card has no pre-set spending limit, so you can spend freely. Each transaction is approved based on your eligibility and the bank’s internal rules.
A4: Yes, you get 16 complimentary international lounge visits per year, with a maximum of four visits per quarter, through Priority Pass.
A5: Yes, the card offers a Buy 1 Get 1 offer on BookMyShow tickets up to three times a month. You can save up to ₹700 on the second ticket and get an extra ₹50 discount on F&B options.
A6: Reward points can be redeemed for cashback at 1:1 ratio, converted to KrisFlyer Miles, or used for gift vouchers and products from the rewards catalog.
A7: It offers a low forex markup fee of 1.8% on international transactions, plus lounge access as mentioned earlier. VISA card variants also provide fast-track immigration and airport limo discounts.
A8: The card includes unlimited golf games and lessons, four premium golf games per month, dining discounts up to ₹6,000 per year, and a 1% fuel surcharge waiver across petrol pumps.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
IndusInd Bank
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